Partial PF Withdrawal Rules – Education, Health and Marriage
7 minutes read

Partial PF Withdrawal Rules – Education, Health and Marriage

Latest Update on EPF

5 crore workers registered under Employee Provident Fund or EPF to get non-refundable advance of 75% of the amount or three months of the wages, whichever is lower, from their accounts.

Hello Everyone. This is part-2 of our post on patrial PF withdrawal. In part-1, we saw partial withdrawal rules for house purchase, renovation and home loan. In this post, we will look into partial PF withdrawal rules on education, health, and marriage.

We will cover the following topics:

Partial PF Withdrawal Rules for Medical Treatments

The EPFO allows PF withdrawals for medical treatment for you and your family member (spouse, children or dependent parents).

There is no minimum years of service required to avail of this withdrawal. You can take it any number of times.

Accepted situations:

  • The hospitalization is more than 1 month or
  • Any major operation in a hospital, or
  • Suffering from T.B., leprosy, paralysis, cancer, mental derangement or heart ailment and have leave granted from his employer for the treatment.

Then there should be a certificate from a qualified doctor as a proof for 1-month hospitalization or major operation or proof of suffering from any above-mentioned illness.

Education or Marriage Expenses

You can take Partial PF withdrawal for the marriage of your children, brother/sister and yourself.

You can also pay the educational expenses of your children using partial PF withdrawal.

The child should continue his/her studies in any college or university for graduation or post-graduation or any other professional course to earn this benefit.

It can be availed only after 7 years of service and also the maximum amount you can withdraw is 50% of your contribution to EPF.

So PF partial withdrawal for both Marriage or Education purpose combined is only for 3 times in total.

Physically handicapped Employees

A handicapped employee can also get an advance from their PF for buying any device to decrease his physical difficulty.

Company lockdown

If the company is shut down for more than 6 months, the employee can withdraw 100% of the employer’s contribution to PF and interest.

This is applicable only if he remains to be unemployed and no compensation is paid to him by the company.


An employee can also withdraw from the PF when a firm is closed down or did not receive his salary for more than 2 months.

To the employee who dismissed

If the employee is terminated or retrenched and the same is challenged by the member in a court of law, he can withdraw up to 50% of the amount in the PF fund.

Damage by natural calamities

PF withdrawal is possible when an employee suffers any loss due to any natural calamities like floods, earthquakes or riots.

He can then seek the advance of Rs 5,000 or 50% of his contribution to the EPF.

With that, we have come to an end of this post on PF partial withdrawal rules. Let us also know about your views and opinion in the comment section below.


Join our exclusive Saral PayPack Insights WhatsApp Group for HRs and Payroll Professionals to stay ahead in the ever-evolving trends. 

Get timely reminders, regular updates and insights into various aspects of payroll & HR operations as well as a sneak-peak into our Payroll software which is trusted by 5000+ professionals. 

Scan the QR code or visit the link:

Leave a Reply

Your email address will not be published. Required fields are marked *


  • I joined my current company on 3rd july, 2019 & panned date of marriage is 21st Feb, 2020. While joining my current employer, I had transferred my EPF with previous employer eith current employer. I worked with previous employer from Dec 2010 to July 2013. Can I apply for EPF withdrawl for my marriage? Will the seven years be counted from 2010 or 2013?

    • NO, you are not eligible as the total account period is less than 7 years

  • Can i withdraw pf fund for treatment of my handocap child n if yes what document is require child is having hearing loss 100percent

    • You can apply online. No documents are required.

  • I wanted to withdraw my PF ( i completed 10 years of service and left job One years back) . Under which option i can partially withdrawn my money.

    • It will depend on the purpose for which you want to withdraw the amount.